08/23/2023

Kumvetsetsa Ngongole za Jumbo: Tanthauzo ndi Kuyenerera

Ngongole za Jumbo, kapena Jumbo Mortgages, zimapereka ndalama zambiri zangongole panyumba zomwe zimapitilira malire angongole omwe akhazikitsidwa ndi Federal Housing Finance Agency (FHFA).Ngati mukugula nyumba yamtengo wapatali kuposa malire a ngongole m'dera lanu, mungafunike kuganizira za ngongole ya jumbo.Obwereketsa nthawi zambiri amakhala ndi ndalama zambiri kuti athe kubweza ngongole zapamwezi zomwe zimalumikizidwa ndi ngongole yamtunduwu.

Mukamafunsira ngongole ya jumbo, pali njira zingapo zomwe muyenera kuzikwaniritsa:
1. Ngongole zambiri: Chifukwa cha kuchuluka kwangongole, nthawi zambiri pamafunika kubweza ngongole zambiri.Zolemba zenizeni zimatha kusiyana ndi wobwereketsa ndi dera, koma nthawi zambiri zimafunika kukhala 720 kapena kupitilira apo.

2. Chiŵerengero chochepa cha ngongole ndi ndalama: Obwereka nthawi zambiri amafunikira chiŵerengero cha ngongole ndi ndalama (DTI) pansi pa 43%.Izi zikutanthauza kuti ngongole zomwe mumalipira pamwezi (kuphatikiza ngongole zanyumba, ngongole zamagalimoto, ngongole za ophunzira, ndi zolipira zama kirediti kadi) ziyenera kukhala zosakwana 43% ya ndalama zomwe mumapeza pamwezi.

3. Kusunga ndalama zokwanira: Chifukwa cha kuchuluka kwa ngongole, obwereka amafunika kukhala ndi ndalama zokwanira kapena kusunga ndalama zokwanira (ndalama, masheya, ma bond, ndi zina zotero) kuti athe kulipirira ngongole yanyumba kwa miyezi ingapo mtsogolomo.

4. Kuyesa kwanyumba: Pa malo omwe mukufuna kugula, obwereketsa nthawi zambiri amafunikira kuwunika kwanyumba kuti atsimikizire kuti ngongoleyo sidutsa mtengo weniweni wa nyumbayo.

Kuonjezera apo, mungafunikire kupanga peresenti inayake ya malipiro ochepa.Kwa ngongole wamba, izi zitha kukhala paliponse kuyambira 3% mpaka 20%.Komabe, pangongole zazikulu, mungafunike kutsitsa 20% mpaka 30%, kapena kupitilira apo.AAA LENDINGS imapereka aFull Doc Jumbomankhwala okhala ndi nthawi yobwezera yokhazikika yazaka 30 komanso kubweza pang'ono 15% (yokhala ndi ngongole yochepera 720), komanso ngongole yocheperako yotsika mpaka 660 pakubweza ngongole yayikulu $2,000,000.

Ngakhale ngongole za jumbo zimatha kubwera ndi chiwongola dzanja chokwera komanso zofunikira zokhwima, zimapereka mwayi kwa omwe akufuna kugula malo okwera mtengo.Ngati mutha kukwaniritsa zofunikira ndikulipira pamwezi, ngongole ya jumbo ikhoza kukhala chisankho chabwino.

Kusankha Nthawi Yoyenera Yobwereketsa Ngongole: Zinthu ndi Malangizo

Kusankha nthawi yobwereketsa nyumba ndi chisankho chofunikira kwambiri pakubwereketsa.Mawu osiyanasiyana amatha kukhudza zomwe mumalipira pamwezi, chiwongola dzanja, komanso kuchuluka konse komwe mukubweza.Posankha nthawi yobwereketsa nyumba, ganizirani mfundo izi:

1. Malipiro a pamwezi: Ngongole zazifupi (monga zaka 15) nthawi zambiri zimatanthawuza malipiro apamwamba pamwezi, koma chiwongoladzanja chochepa chomwe chimaperekedwa.Ngongole zazitali (monga zaka 30) zimatanthawuza malipiro ochepa pamwezi, koma chiwongoladzanja chochuluka choperekedwa.Muyenera kusankha zomwe mungakwanitse mwezi uliwonse malinga ndi momwe mulili ndi ndalama.

2. Chiwongola dzanja: Mangongole amfupi nthawi zambiri amabwera ndi chiwongola dzanja chochepa.Ngakhale malipiro apamwezi a ngongole zazifupi amakhala okwera, chiwongola dzanja chochepa chingatanthauze kusunga ndalama zonse.

3. Kukhazikika kwandalama: Ngati muli ndi ndalama zokhazikika, mutha kulipira ndalama zambiri pamwezi ndipo mutha kulingalira zangongole yanthawi yochepa.Ngati ndalama zomwe mumapeza sizikhazikika kapena sizikutsimikizika, ngongole yanthawi yayitali ingakhale yabwinoko popeza malipiro amwezi ndi ochepa.

4. Zolinga zachuma: Kodi mukufuna kubweza ngongoleyo posachedwa?Izi zidzakhudza nthawi ya ngongole yomwe mungasankhe.Ngati mukufuna kukhala ndi nyumba yanu mwachangu momwe mungathere, kubwereketsa ngongole kwakanthawi kochepa kungakhale koyenera.Koma ngati mukufuna kusunga ndalama ndikusunga ndalama zogulira zina, ngongole yanthawi yayitali ingakhale yoyenera.

5. Mapulani opuma pantchito: Kodi mukukonzekera liti kupuma?Kodi mukufuna kuti ngongole yanu yanyumba ilipire panthawiyo?Ngati mukufuna kukhala wopanda ngongole yanyumba mukapuma pantchito, mutha kusankha nthawi yobwereketsa yomwe mungakulipire musanapume pantchito.

6. Mikhalidwe yamsika: Kodi chiwongola dzanja chamsika chili pamwamba kapena chotsika?Zingakhale zopindulitsa kutsekereza ngongole yanthawi yayitali ngati chiwongola dzanja chili chochepa.

Zotsatira za Mortgage Default

Kaya ndi ngongole wamba kapena jumbo, kubweza ngongole ndi nkhani yayikulu ndipo kuyenera kupewedwa ngati kuli kotheka.Mukalephera kubweza ngongole yanu yobwereketsa, mutha kukumana ndi zotsatirazi:

Kuwonongeka kwa ngongole zangongole: Kusasinthika kungawononge kwambiri ngongole yanu, zomwe zingakhudze zomwe mudzagwiritse ntchito mtsogolo.
Kutsekereza: Ngati mupitiliza kubweza ngongole, banki ikhoza kusankha kutseka ndikugulitsa nyumba yanu kuti ibweze ngongole yake.
Nkhani zamalamulo: Mutha kuyang'anizana ndi milandu chifukwa chakulephera.

Pomaliza, ngongole za jumbo zimapereka mwayi m'misika yanyumba zamtengo wapatali, koma kusamala kuyenera kuchitidwa pobwereketsa ngongoleyo.Muyenera kumvetsetsa zoyenereza, kusankha nthawi yoyenera yobwereketsa, ndikumvetsetsa bwino zotsatira za kusakhazikika kwanyumba.

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.